Home Insurance in Burnside, Pennsylvania
With a median home value of $64,200, Burnside is 53% lower than the Clearfield County median.
The median home in Burnside was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 64% of homes were built before 1960, about 21 points above Clearfield County's 43%.
In Burnside, the housing stock is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Burnside carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Burnside has an owner-occupancy rate of 91% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Burnside - 70% - are primarily heated with fuel oil. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Clearfield County had 251 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Clearfield County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $64,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Clearfield County | 251 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)